Cheapest Cities for Car Insurance in Illinois

by Micaela Allen
December 8th, 2015

The above cities are listed as some of the largest in Illinois and based on the listing, you will be able to approximate how much your insurance will be, if not in these exact cities.

Buying car insurance is often an unnecessary hassle, but when you’re looking for a change of scenery, there are enough things that feel like chores you’ll have to deal with that it shouldn’t. If you’re in the state of Illinois, today is your lucky day. Below is a list of the top ten cheapest cities for car insurance in descending order.

Before we get to that, however, it is important to know that the state average for car insurance is just over $500 with just a little bit more than the minimum state requirements. Even with this number, though, you can still end up spending both more or less depending on where you live. If you need a deciding factor in terms of where to make your next move or are just in search of some good reading and knowledge, allow this list to fulfill your wishes.

Naperville - $467

Springfield - $492

Rockford - $493

Aurora - $498

Elgin - $511

Peoria - $514

Waukegan - $533

Joliet - $540

Cicero - $667

Chicago - $729

The above cities are listed as some of the largest in Illinois and based on the listing, you will be able to approximate how much your insurance will be, if not in these exact cities. Illinois has recently experienced a rise in their rates, unfortunately, and the prices are a result of this. In January of 2014, Allstate raised their rates between 2.5 - 3.5%, and they are the second largest insurer in the state. Other companies, such as Geico and Insurify, ranged between a 1.0 - 2.7% increase in rates. This all may seem like quite dismal news, but there is always another side to the story. State Farm experienced no change and Progressive actually decreased their rates by 1.0%, so no everything is on the up and up.

In regards to what happened behind the scenes of this study to receive these example quotes, here is a broken down explanation. The car was a 2010 Toyota Camry used for daily commute which resulted in an average of 10,000 - 15,000 miles per year. This is a standard car chosen so as to provide quotes that would be approximately around those for any car, give or take some.

Next is the sample driver behind this imaginary wheel. Four different types of persons were used: two, single males aged 30 and 65 respectively, and two married couples aged 30 and 65 as well. This provides a range of prices that are able to be averaged together and produce the findings listed above. All of these drivers have a clean record for the past five years and good credit to give the most fair pricing and get the best deals. There is a bit more variation in drivers, especially when it comes to records and credit, so these could shake up the list significantly more than a type of car (except for the exceptions like if you own a Ferrari) if you don’t exactly fit this fabricated person’s profile.

In terms of what the exact requirements used in this study are, allow the following to be your guide:

Now, go on and ride through the lands of Illinois, searching the best city for you with the best rates for your vehicle in mind.